Idea Financial offers a quick and efficient paperless application process broken down into three steps.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

Idea Financial can provide a decision in minutes if we have all the necessary information and you link your bank account. Funding can become available within a business day.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

We currently offer financing in the form of a business line of credit and a term loan across the United States. The Idea Financial Line of Credit and Term Loan are subject to Idea Financial’s final approval. In the near future, we will offer case financing for law firms nationwide. Through our partners we also offer a variety of financing options including SBA loans, disaster relief loans, Payment Protection Program loans, and more.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

You can certainly apply in person, though we recommend that you apply online to speed up the application process. Our offices are located in Miami, FL and Richmond, VA.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

1. First we will ask for basic details about your business such as time in business, entity type and revenue figures
2. Next we will ask for business owner information including ownership structure and SSN.
3. Last, we will ask for a secure connection to your business bank account or for bank statements for the most recent 3 months.

You can start your risk-free application here. Applying does not affect your credit score.

We use advanced encryption to keep your information safe in accordance with our Privacy Policy.

There is no cost to apply for financing from Idea Financial. Our application is risk free, has no costs, and doesn’t affect your personal credit score.

We will conduct a “soft pull” or “soft inquiry”, which means that your credit score WILL NOT be affected.

We encourage customers to link their business bank account to Idea Financial. This speeds up application processing as well as fund transfers. By linking your account, we are able to verify bank account ownership and other bank information faster.

After we receive your application, we will review it to ensure that we have the necessary information, and will reach out to you if we don’t. Once we have a complete application we will proceed with a credit review and will provide you with an offer within a business day. The offer will include the financing terms, the product types, and next steps to access your funds.

We do not permit you to take any new additional loans from online lenders that come in the form of daily, weekly or bi-weekly payments. Taking additional financing from such lenders decreases your ability to service your debt and can be dangerous to the health of your business. If you have additional financing needs, contact your dedicated Business Advisor. We do permit additional financing from the SBA.

Yes, we encourage our customers to take advantage of SBA loans.